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Earnings test penalizes early claiming while working

The guest explained that claiming Social Security before full retirement age while still earning income triggers a reduction of $1 in benefits for every $2 earned above an annual threshold (e.g., $24,480 in 2025).

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The story so far

OPEN · 16 MENTIONS · 9 EPISODES · 6 SHOWS

23 SEP 2025 — 15 AUG 2026 · 3D AGO

1 REPEAT · 15 MENTIONED

23 SEP 2025 · FIRST HEARD
THE LONG VIEW
- Deferring Social Security with a haircut buffer
30 SEP 2025
THE LONG VIEW · 2 MENTIONS
- Social Security likely persists but may be trimmed
- Delay Social Security to age 70 for larger benefit
23 OCT 2025
THE RATIONAL REMINDER PODCAST
- Target six years of income saved at retirement
22 DEC 2025
MACRO MUSINGS WITH DAVID BECKWORTH
- Social Security reform requires means testing, not borrowing
10 MAR 2026
THE LONG VIEW
- Social Security faces a real funding gap
17 MAR 2026
THE LONG VIEW · 3 MENTIONS
27 MAR 2026
AFFORD ANYTHING
- Social Security failure as the real retirement crisis
13 AUG 2026 · 5D AGO
THOUGHTFUL MONEY · 4 MENTIONS
- Delay Social Security for tax strategy coordination
- Social Security insolvency risk manageable
- Earnings test penalizes early claiming while working · THIS IDEA
- Delay Social Security for higher lifetime benefits
15 AUG 2026 · 3D AGO
MOTLEY FOOL MONEY · 2 MENTIONS
- Higher earners need to save more for retirement
- Claiming age dramatically impacts benefit size

HOW THE SHOWS HAVE DISCUSSED THIS THESIS OVER TIME · NOT A PERFORMANCE RECORD